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*CLASSES FOR PROMISE PARTICIPANTS*




MD CASH Academy classes are for adults who want to learn more about managing their financial lives.  We offer a wide range of classes for people who are interested in budgeting, managing debt, saving for the future, filing their taxes or managing their insurance. Our Educators and Partners provide fact based financial education without providing financial advice or selling any products or services. 
 
You must complete our free registration on the site in order to be able to sign-up for one of our classes online.

Upcoming events

    • 25 Apr 2015
    • 9:00 AM - 5:00 PM
    • Activity Center at Bohrer Park, Summit Hall Farm (next to Gaithersburg High School) 506 S. Frederick Avenue, Gaithersburg, MD 20877

    Free One-on-One Housing Counseling:
    • Foreclosure Prevention Counseling
    • Pre-purchase Counseling
    • Rental Counseling
    • Financial Capability Counseling

    Bank on Gaithersburg/Financial Wellness Coalition

    • Free Give Aways
    • Financial Services
    • Open a low cost account!
    • Financial Education Classes including Credit, Savings and Budgeting

    8-hour Homebuyer Seminar

    $50 (cost per participant) - Must Pre-Register

    • Understand the Homebuying Process
    • Learn from the Professionals in the Field: Loan Officer, Realtor, Home Inspector, Insurance Agent and Settlement Attorney
    • Find Down Payment and Closing Cost Assistance Programs.
    Call 301-916-5946 or visit us at www.hiphomes.org.


    • 27 Apr 2015
    • 12:30 PM - 1:30 PM
    • 417 E. Fayette Street, 10th Floor Conference Room Baltimore, MD 21202
    The City offers a variety of properties for buyers interested in building or rehabbing for home ownership or investment. Join us for a brief overview on purchasing a vacant property from the City of Baltimore.


    Space is limited. If you are interested in attending one of the event dates above, please contact the Resource Center Manager of Vacants to Value, Umar Abdul-Hamid, at 410-396-4111 to register.

    • 27 Apr 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 27 Apr 2015
    • 7:00 PM - 8:30 PM
    • Howard County Library, Miller Branch, 9421 Frederick Rd Ellicott City, MD 21042
    • 23

    Description:

     

    Does investing seem like alphabet soup? Do you know the difference between an ETF and a MF, or a MMF from a CD? Are you risk averse and worried about losing money? Roy Yenoli of MakingChange presents an overview of the basics of investing.



    • 28 Apr 2015
    • 10:30 AM - 12:00 PM
    • Way Station Turning Point Program Office 328 North Potomac St. Hagerstown, MD


    Come to this interactive and fun workshop to learn ways to conduct your daily money purchase, pay bills and mange your accounts in a safe, efficient and low cost way. 


    Light refreshments provided


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 29 Apr 2015
    • 10:30 AM - 11:55 AM
    • Montgomery Community College Rockville Campus, 51 Mannakee Street, Rockville, MD 20850, TC 136
    • 10
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    • 29 Apr 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 29 Apr 2015
    • 6:30 PM - 8:00 PM
    • 104 East Center Street, Oakland, MD 21550
    • 25

    Join the Garrett County Community Action Committee for a family dinner and workshop on Credit. Childcare is provided along with activities for children to learn about money management.

    • 01 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 02 May 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: No matter your net worth, it's important to have a basic estate plan in place. This free workshop can help you understand what you need to know about estate planning, including why you may need a will and assigning a power of attorney.

    • 02 May 2015
    • 9:00 AM - 11:00 AM
    • The Fuller House 3470 Rockefeller Court Waldorf, MD 20602

    How can those who currently aren't saving afford to save money? Learn effective tips for saving money when budgets are tight.


    Refreshments available.


    For more information, and to R.S.V.P., please contact Carolyn Cowan at: (301) 609-9900 or ccowan@lifestylesofmd.org

    • 02 May 2015
    • 1:00 PM - 4:00 PM
    • The Universities at Shady Grove, 9630 Gudelsky Drive Rockville, MD 20850

    Save the date for a special collaborative event for middle and high school students and their parents!


    • Learn what you can do to start your path to successful college experiences
    • Meet representatives from various careers, colleges, universities, and scholarship organizations
    • Learn about financial aid and scholarship opportunities

    Registration is available through the Parent Academy. www.mcpsparentacademy.org 


    Check-in from 12–1 p.m.

    • 04 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 04 May 2015
    • 4:00 PM - 5:30 PM
    • Allegany County Public Library, Maryland Room, 31 Washington St. Cumberland MD


    Come to this interactive and fun workshop to explore your money values and habits, learn how to create manageable financial goals and create a Spending Plan which will set you on the path to meeting your goals!


    Light refreshments provided


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 05 May 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 06 May 2015
    • 10:00 AM - 11:00 AM
    • 610 E. Diamond Avenue, Suite 100 Gaithersburg, MD 20877
    • 25
    Description: This class explores  financial institutions  (such as banks and credit unions), their products and ways to save money when you are managing your bank accounts.

    This course will help you understand:
    - The benefits of having an account with a financial institution
    - What type of services/accounts are available to you
    - How to choose a financial institution, and
    - How to manage your accounts.

    This class is provided by Family Services, Inc.


    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."
     

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 06 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 06 May 2015
    • 6:00 PM - 7:30 PM
    • Baltimore County Public Library,Randallstown Branch 8604 Liberty Road Randallstown, Maryland 21133
    • 25

    Foreclosure Prevention


    A HUD certified housing counselor from CCCS of MD & DE will be the presenter. They will help you understand what steps you must take if you are facing foreclosure.
    · Where to turn for help

    · What options you may have – refinance, reinstatement, forbearance, repayment plan, loan modification, short sale, deed-in-lieu foreclosure, assumption, bankruptcy

    · Explaining the process and timeline

    · How a housing counselor may be able to help you

    · How to avoid fraud and scams

    • 07 May 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: No matter your net worth, it's important to have a basic estate plan in place. This free workshop can help you understand what you need to know about estate planning, including why you may need a will and assigning a power of attorney.

    • 08 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 09 May 2015
    • 10:00 AM - 4:00 PM
    • 12320 Parklawn Drive Rockville, MD 20852

    REGISTRATION: Please contact AAHC

    to reserve your seat


    *There is $50 fee- includes a "Manual for homebuyer" and a 2 hour one-on-one counseling and a certificate.

     

    (301) 760-7636

    www.aa-hc.org


    Why do I need to take the First Time Homebuyer Education Class?

     

    When you apply for Local/County/State mortgage programs, down payment assistance, or some lenders’ mortgage programs, you are required to complete a first time homebuyer (or homeownership) education class and obtain a certification. AAHC is in compliance with their requirements and we issue a certification at the completion of the class.


    You will learn Homebuying Steps from Start to Finish & How to Stay on Track as a Responsible Homeowner, including:

    • ​Personal Finance
    • Developing a spending plan to meet your financial goals
    • Understanding Credit
    • Working with the Lender and Real Estate Agent
    • Home Inspection and the role of the Inspector
    • Understanding Settlement Procedures

    • 11 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 12 May 2015
    • 5:00 PM - 6:30 PM
    • MC Dept of Health and Human Services Offices at 1301 Piccard Drive, Rockville, MD
    • 25

    Sponsored by the Montgomery County Alumnae Chapter (MCAC) of Delta Sigma Theta Sorority, Inc.


    Workshop coordinator:

    Sandra Allen

    economicdevelopment@mcacdst.org

    301-346-7030


    Daytime meetings:

    4th Thursday of each month

    10:00am-11:30am


    Evening meetings:

    2nd Tuesday of each month

    5:00pm-6:00pm



    • 13 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 13 May 2015
    • 4:00 PM - 7:00 PM
    • 629 N.Market St., Frederick, MD
    • 20
    Description:

    Come to this Credit Cafe and receive help to get your free credit report and even obtain your credit score for free!  Registration is required ahead of time by clicking here or calling 301-662-4225 x 1216 for a free 20 minute counseling session with a  credit counselor.  



    This Credit Education event is hosted by the Frederick County Financial Literacy Coalition, the Prosperity Center at the Bernard Brown Community Center, United Way, Housing Authority of City of Frederick and Interfaith Housing Alliance. 
    • 15 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 16 May 2015
    • 10:00 AM - 3:00 PM
    • Springbrook High School, 201 Valleybrook Drive, Silver Spring, MD 20904

    AAHC Housing and Financial Resource Center present:


    SPRING 2015

    Homebuyers Education Workshop


    Join us to learn:

    • Maryland Mortgage Programs- Including FHA
    • How to receive Federal Tax Credit up to $2,000/yr
    • 1st time Homebuyer Mortgage Programs
    • MPDUs: Low to Moderate Income Homes
    • Available Down Payment Assistance: up to $15,000
    • What you should know about the Fair Housing Law
    • FHA's Back To Work Program
    • Build Your Credit! Join AAHC's Asset Building Circle

    This is a FREE Nonprofit event!


    RSVP Now!

    visit: www.aa-hc.org

    email: counseling@aa-hc.org

    call: (301) 760-7636


    *RSVP and attend the workshop and you can enter to win $2,000 down payment assistance- will be disbursed at the settlement.


    *Tri-merge Free Credit Report and Score- soft pull will NOT affect your credit score.


    • 16 May 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 18 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 19 May 2015
    • 10:30 AM - 12:00 PM
    • Way Station Turning Point Program Office 328 North Potomac St. Hagerstown, MD


    Come to this interactive and fun workshop to learn tips to increase your savings and basic investing strategies to help your money grow.


    Light refreshments provided


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 19 May 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 19 May 2015
    • 7:00 PM - 9:00 PM
    • Historic Oakland Manor at Columbia Town Center, 5430 Vantage Point Road, Columbia, MD 21044
    There is more to Social Security than meets the eye. At this workshop you will learn the following and much more:
             
    • 5 factors to consider for deciding when to start taking benefits
    • Health of the system and whether benefits are likely to change
    • Innovative strategies for coordinating benefits with your spouse
    • How to coordinate benefits with other sources of income
    • How to minimize taxes on your benefits
    • Special rules on benefits for divorced spouses
    Registration Required

    Click to Register Online

    Your presenter will be Mark Timmick, a local Retirement & Estate Planning Specialist. Mr. Timmick is an experienced retirement planning professional and Investment Advisor Representative. He is also a published author and frequent public speaker, he has written for local newspapers, he is an active member of the Financial Planning Association, and he is the current President of the Howard County chapter of The Society for Financial Awareness. 

    • 20 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 20 May 2015
    • 7:00 PM - 9:30 PM
    • Historic Oakland Manor at Columbia Town Center, 5430 Vantage Point Road, Columbia, MD 21044
    What’s more essential to retirement happiness than having a plan for your financial security? In this workshop you will learn:
             
    • How to accurately determine how much you'll need to have saved for retirement
    • Methods and strategies for reliably turning your savings (401(k)s, IRAs, TSPs, etc.) into the maximum income possible during retirement.
    • Strategies for protecting principal and helping you guard against the major financial risks of retirement.
    • How today’s advanced, modern annuities work and the pros & cons of using them in your plans
    • How to create a comprehensive retirement plan that is flexible and adaptable to your changing retirement financial needs
    Registration Required

    Click to Register Online

    Your presenter will be Mark Timmick, a local Retirement & Estate Planning Specialist. Mr. Timmick is an experienced retirement planning professional and Investment Advisor Representative. He is also a published author and frequent public speaker, he has written for local newspapers, he is an active member of the Financial Planning Association, and he is the current President of the Howard County chapter of The Society for Financial Awareness. 

    • 22 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 25 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 27 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 28 May 2015
    • 10:00 AM - 11:30 AM
    • MC Dept of Health and Human Services Offices at 1301 Piccard Drive, Rockville, MD
    • 25

    Sponsored by the Montgomery County Alumnae Chapter (MCAC) of Delta Sigma Theta Sorority, Inc.


    Workshop coordinator:

    Sandra Allen

    economicdevelopment@mcacdst.org

    301-346-7030


    Daytime meetings:

    4th Thursday of each month

    10:00am-11:30am


    Evening meetings:

    2nd Tuesday of each month

    5:00pm-6:00pm



    • 29 May 2015
    • 1:00 PM - 4:00 PM
    • GOODWILL INDUSTRIES OF MONOCACY VALLEY, 400 E Church St, Frederick, MD 21701
    • 10

    Topics will include:

    • Self-presentation
    • Job retention
    • Helpful tips for finding work
    • And more!
    • 02 Jun 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 03 Jun 2015
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877
    • 25
    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.

    Participants will learn:
    -How to assess your money values/habits
    -Participants will learn how to create a Spending Plan
    -Set financial goals, manage banking accounts
    with financial institutions, and
    -Financial records organization and tips to save money.

    This class is provided by:

    Family Services, Inc., www.familyservicesagency.org.

    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."  

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 04 Jun 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 06 Jun 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 06 Jun 2015
    • 10:00 AM - 4:00 PM
    • 12320 Parklawn Drive Rockville, MD 20852

    REGISTRATION: Please contact AAHC

    to reserve your seat


    *There is $50 fee- includes a "Manual for homebuyer" and a 2 hour one-on-one counseling and a certificate.

     

    (301) 760-7636

    www.aa-hc.org


    Why do I need to take the First Time Homebuyer Education Class?

     

    When you apply for Local/County/State mortgage programs, down payment assistance, or some lenders’ mortgage programs, you are required to complete a first time homebuyer (or homeownership) education class and obtain a certification. AAHC is in compliance with their requirements and we issue a certification at the completion of the class.


    You will learn Homebuying Steps from Start to Finish & How to Stay on Track as a Responsible Homeowner, including:

    • ​Personal Finance
    • Developing a spending plan to meet your financial goals
    • Understanding Credit
    • Working with the Lender and Real Estate Agent
    • Home Inspection and the role of the Inspector
    • Understanding Settlement Procedures

    • 09 Jun 2015
    • 5:00 PM - 6:30 PM
    • MC Dept of Health and Human Services Offices at 1301 Piccard Drive, Rockville, MD
    • 25

    Sponsored by the Montgomery County Alumnae Chapter (MCAC) of Delta Sigma Theta Sorority, Inc.


    Workshop coordinator:

    Sandra Allen

    economicdevelopment@mcacdst.org

    301-346-7030


    Daytime meetings:

    4th Thursday of each month

    10:00am-11:30am


    Evening meetings:

    2nd Tuesday of each month

    5:00pm-6:00pm



    • 16 Jun 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 20 Jun 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 08 Jul 2015
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 25
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    Participants will learn:
    -All about credit scores
    -How to get a credit report
    -How to rebuild credit
    -How to choose loan products
    -Ways to avoid predatory loans, as well as
    -How to manage debt.

    A Spanish translator will be available during this presentation.

    This class is provided by:Family Services, Inc., www.familyservicesagency.org

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors." 

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 11 Jul 2015
    • 10:00 AM - 4:00 PM
    • 12320 Parklawn Drive Rockville, MD 20852

    REGISTRATION: Please contact AAHC

    to reserve your seat


    *There is $50 fee- includes a "Manual for homebuyer" and a 2 hour one-on-one counseling and a certificate.

     

    (301) 760-7636

    www.aa-hc.org


    Why do I need to take the First Time Homebuyer Education Class?

     

    When you apply for Local/County/State mortgage programs, down payment assistance, or some lenders’ mortgage programs, you are required to complete a first time homebuyer (or homeownership) education class and obtain a certification. AAHC is in compliance with their requirements and we issue a certification at the completion of the class.


    You will learn Homebuying Steps from Start to Finish & How to Stay on Track as a Responsible Homeowner, including:

    • ​Personal Finance
    • Developing a spending plan to meet your financial goals
    • Understanding Credit
    • Working with the Lender and Real Estate Agent
    • Home Inspection and the role of the Inspector
    • Understanding Settlement Procedures

    • 18 Jul 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 01 Aug 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 23
    Description: Increasingly, households across America are cutting costs and saving money. This workshop will explore common and not-so-common ways to maximizing your spending plan so you can "pump up your piggy bank" with savings.

    We'll discuss:
    • The pros and cons of various savings tools (from stashing the cash at home to savings bonds and bank deposit accounts)
    • The distinction between "spending less" and "saving," and
    • The wonders of compound interest. 
    Don't miss out on this exciting conversation about savings!

    • 05 Aug 2015
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 25
    Description: The Federal Trade Commission reports that nearly 9 million Americans have their identities stolen every year. Don’t be one of these statistics. Learn how you can better protect your information and ultimately, your identity.

    Participants will learn:
    -Ways to make smart consumer choices, whether buying at thrift stores, shopping for a car, household items,  groceries or saving money, and
    -How to avoid common consumer scams such as ID
    Theft, Work at Home scams, Credit Repair scams and more.

    This class is provided by: Family Services, Inc.,www.familyservicesagency.org

    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."  

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 06 Aug 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25
    Description: Increasingly, households across America are cutting costs and saving money. This workshop will explore common and not-so-common ways to maximizing your spending plan so you can "pump up your piggy bank" with savings.

    We'll discuss:
    • The pros and cons of various savings tools (from stashing the cash at home to savings bonds and bank deposit accounts)
    • The distinction between "spending less" and "saving," and
    • The wonders of compound interest. 
    Don't miss out on this exciting conversation about savings!

    • 15 Aug 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 03 Sep 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Have you ever dreamed about starting your
    own business but don’t know where to begin?
    This free workshop can help you make
    your dream a reality!

    Join Maryland CASH Campaign and UEDC 
    to learn how to start your own small business
    or legal side hustle!

    Topics to be Covered:
    How to structure your business
    Understanding business tax basics
    Community resources to help you get started


    Take charge of your financial future!

    • 05 Sep 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Have you ever dreamed about starting your
    own business but don’t know where to begin?
    This free workshop can help you make
    your dream a reality!

    Join Maryland CASH Campaign and UEDC 
    to learn how to start your own small business
    or legal side hustle!

    Topics to be Covered:
    How to structure your business
    Understanding business tax basics
    Community resources to help you get started


    Take charge of your financial future!

    • 19 Sep 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 01 Oct 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Are you finding that you are not completely sure where your money goes each month? 


    This workshop shows you how to manage your money by preparing a personal spending plan and identifying ways to decrease spending and increase income. Also helps identify ways you can save.

    • 03 Oct 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Are you finding that you are not completely sure where your money goes each month? 


    This workshop shows you how to manage your money by preparing a personal spending plan and identifying ways to decrease spending and increase income. Also helps identify ways you can save.

    • 17 Oct 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 05 Nov 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: No matter your net worth, it's important to have a basic estate plan in place. This free workshop can help you understand what you need to know about estate planning, including why you may need a will and assigning a power of attorney.

    • 07 Nov 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: No matter your net worth, it's important to have a basic estate plan in place. This free workshop can help you understand what you need to know about estate planning, including why you may need a will and assigning a power of attorney.

    • 21 Nov 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 03 Dec 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 05 Dec 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 19 Dec 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



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